You can have a spreadsheet full of accounts and still not know your real net worth. Because your money isn’t one pile. It’s an LLC here, a rental there, a business, and your personal accounts. Most trackers flatten all of that into a single number, or make you look at one slice at a time.
If you have more than one financial entity, “what am I worth” is a harder question than any single-user app was built to answer. This is an honest look at the net worth trackers people actually use, where each one fits, and the one requirement that rules most of them out for multi-entity life.
What “multi-entity net worth” actually requires
Before comparing tools, it helps to name what you’re actually asking for. A real multi-entity tracker has to do four things:
- Keep each entity separate. Your rental LLC and your consulting business are different balance sheets. They shouldn’t be mashed together.
- Still roll them up. You also need one consolidated number across everything, without losing the per-entity view.
- Treat businesses and rentals as entities, not tags. A rental is not “a checking account with a label.” It has its own assets, its own debt, its own net worth.
- Survive real structure. Personal accounts, two LLCs, three rentals, and a business should all coexist without a manual monthly reconciliation.
Almost every popular tracker nails a version of “one number.” Very few do “one number made of several entities you can also see on their own.” That second clause is the whole game.
The honest options
Empower (formerly Personal Capital)
Free, and genuinely good at personal net worth and investment tracking. The limit is structural: it’s built for one household. You can add business and rental accounts, but they’re accounts, not entities. There’s no per-entity roll-up, so a landlord with three properties and an LLC still sees one blended balance sheet.
Monarch and Copilot
Two of the best modern personal-finance apps, with excellent design and budgeting. Both assume a single financial life (you, or you and a partner). There’s no concept of an entity, so multi-LLC operators end up tagging and untangling by hand.
Kubera
Strong at aggregating everything into one portfolio, including crypto, alternative, and international assets. It’s built for a single consolidated view of a person’s holdings, which is great for a high-net-worth individual, but it isn’t designed to separate and roll up multiple business and rental entities with their own P&L.
Opulence and the free single-user tools
A newer wave of free, privacy-first trackers does personal net worth and planning well and cheaply. They’re a fine choice if your financial life is one entity. The moment it’s more than one, the same ceiling appears: single user, single balance sheet.
Spreadsheets
The honest starting point, and infinitely flexible. A tab per entity and a summary sheet works, right up until balances change and you’re rebuilding the roll-up by hand every month. Spreadsheets don’t scale with live data, they scale with your patience.
Crestfolio
Built specifically for the multi-entity case. Each LLC, rental, business, and personal set of accounts is its own module, and every module rolls into a single net worth and cash flow view. You see each entity on its own and the consolidated total, without a manual merge.
The question that decides it
Strip away the feature lists and it comes down to one thing:
Do you need one net worth number, or one number made of several entities you also need to see separately?
If it’s the first, almost any tracker on this list will serve you, and a free one is a great choice. If it’s the second, the single-life apps can’t do it, not because they’re bad, but because they were never built for more than one financial life. That’s not a flaw you can tag your way around; it’s a different data model.
Where Crestfolio fits
To be clear about what it is and isn’t: Crestfolio is a tracking and net-worth layer, not a general ledger and not a replacement for your bookkeeper. What it replaces is the stack of separate logins and the monthly spreadsheet merge that never quite reconciles. Every entity lives in one place, each on its own, all rolling into a single picture. Every entity, one net worth.
If your financial life is one entity, one of the free trackers above is probably the right call. If it has more than one moving part, that’s the exact gap Crestfolio was built to fill.
Frequently asked questions
What is the best net worth tracker for multiple LLCs?
If you need to see each LLC on its own and a combined total, you need a tool built around entities rather than a single financial life. Most popular trackers (Empower, Monarch, Copilot) are excellent for one household but treat everything as one pile. Crestfolio is built specifically for multiple entities, giving each LLC, rental, and business its own view that rolls up into one net worth.
Can I track business and personal net worth separately but see them together?
Yes, but only with a tool designed for it. In a single-life app you can tag accounts, but the app still thinks of you as one person with one balance sheet. A multi-entity tracker keeps each entity's assets and liabilities distinct, then sums them into a consolidated number so you get both the per-entity detail and the total.
Does Empower (formerly Personal Capital) work for multiple entities?
Empower is a strong, free net worth and investment tracker for a single household. It can hold business and rental accounts, but it treats them as accounts, not as separate entities with their own roll-up. If your goal is per-entity net worth plus a consolidated total, that separation is the piece it does not provide.
How do I calculate net worth across multiple entities?
Add up assets minus liabilities for each entity separately (each LLC, each rental, your business, and personal), then sum those entity-level net worth figures into one consolidated total. Doing it by hand in a spreadsheet works until balances change; a free tool like the multi-entity net worth calculator below does it in seconds and shows each entity's share.
Do I need separate apps for each entity's net worth?
No, and that is the whole problem worth avoiding. Running one app per entity means you never see the combined picture, and reconciling them by hand is exactly the friction that makes people give up. The point of a multi-entity tracker is one place for everything, with each entity still visible on its own.
Every entity. One net worth.
Track every LLC, rental, business, and personal account in one place, each its own module, all rolling into a single view. Built for people who have outgrown single-account tools.
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